Michael, I have been using the XMLAdapter for this:

loXMLAdapter = CREATEOBJECT("XMLAdapter")
loXMLAdapter.AddTableSchema(ALIAS())
ll_IncludeBefore = .T.
ll_ChangesOnly = .T.
ll_IsFile = .F.
lc_SchemaLocation = ""
loXMLAdapter.UTF8Encoded = .t.
loXMLAdapter.IsDiffgram = .f.
loXMLAdapter.ToXML("lc_XML", lc_SchemaLocation, ll_IsFile, ll_IncludeBefore, ll_ChangesOnly)

The lc_XML thus created has the schema embedded at the start of the XML.

Chris Palmer